Fiqh Study on Bank Interest and Its Development
DOI:
https://doi.org/10.70826/jcisnu.v2i3.941Keywords:
Bank Interest, Fiqh, StudyAbstract
Bank interest is a controversial issue in the study of Islamic jurisprudence, especially in the context of the development of the modern banking system which makes it the main mechanism in conventional economic activities. The majority of classical fiqh scholars view bank interest as a form of riba that is prohibited because it contains additional elements of the principal of the loan that has the potential to cause injustice and exploitation, as affirmed in the Qur'an and hadith. However, some contemporary scholars offer a more contextual approach by taking into account the principles of emergency, benefits, and global economic realities. This study aims to analyze the legal position of bank interest in the perspective of Islamic jurisprudence and examine the development of ijtihad of classical and contemporary scholars in responding to conventional banking practices. The research method used is qualitative research with a literature study approach, through the study of classical fiqh sources, the thoughts of contemporary scholars, and literature related to Islamic economics and finance. The results of the study show that there are different views among scholars regarding the law of bank interest, which reflects the dynamics of ijtihad in responding to changes in the modern economic system. The majority of scholars still prohibit bank interest because of its similarity to riba, while some contemporary scholars provide limited space of abilities on the condition that they are not exploitative and intended for benefit. In conclusion, the fiqh study of bank interest emphasizes the importance of a comprehensive and contextual understanding of sharia principles in modern economic practice, as well as the need to strengthen the Islamic financial system as a fair alternative and in accordance with Islamic values.
Downloads
References
Basir, A., Musyahid, A., Rosia, R., & Hamsah, M. (2023). Kontemporerisasi Hukum Bunga Bank Dalam Tinjauan Fath Adz Dzara’i. AL-AFKAR: Journal for Islamic Studies, 6(4), 37–39.
Fure, J. A. (2016). Fungsi Bank Sebagai Lembaga Keuangan Di Indonesia Menurut Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan. Lex Crimen, 5(4).
Ipandang, I., & Askar, A. (2020). Konsep riba dalam fiqih dan al-qur’an: Studi komparasi. Ekspose: Jurnal Penelitian Hukum Dan Pendidikan, 19(2), 1080–1090.
Ja’far, A. K. (2016). Peluang dan Tantangan Perbankan Syari’ah di Indonesia. ASAS: Jurnal Hukum Ekonomi Syariah, 8(2).
Khan, Akram, M. (2020). Perbankan Islam dan Isu Bunga: Tinjauan atas Perdebatan Fikih Kontemporer. Jurnal Riset Perbankan Dan Bisnis Islam, 3(3), 99–112.
Mahmud Marzuki, P. (2005). Penelitian hukum. Jakarta: Kencana Prenada Media, 55.
Muhaimin. (2020). Metode Penelitian Hukum. Mataram: Mataram University Press.
Nurita, C., Puspita, Fika, D., & Hendrawan, Y. (2024). Metode Perhitungan Bunga Pada Bank Konvensional. Al-Iqtishad: Jurnal Perbankan Syariah Dan Ekonomi Islam, 2(1), 22–31.
Pane, C. S. A., & Firdaus, R. (2024). Analisis Perbedaan Antara Bunga Pada Bank Konvensional Dan Profit Sharing Pada Bank Syariah. Jurnal Intelek Dan Cendikiawan Nusantara, 1(6), 9338–9345.
Putri, D. J. A., Safikri, M. R., Artika, P. A., & Hayati, S. (2025). Analisis Perbandingan Konsep Nilai Tukar dalam Ekonomi Konvensional dan Islam serta Implikasinya terhadap Stabilitas Ekonomi. PENG: Jurnal Ekonomi Dan Manajemen, 2(3), 3729–3740.
Rafika, R. (2022). Penyelesaian Sengketa Asuransi Melalui Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan. SALAM: Jurnal Sosial Dan Budaya Syar-I, Vol.9(No.4), hlm.1209-1222. https://doi.org/10.15408/sjsbs.v9i4.26601
Rahim, A. (2021). Konsep Bunga dan Prinsip Ekonomi Islam dalam Perbankan Syariah. AL-IQTISHAD: Jurnal Ekomomi, 1(2), 188–189.
Saifuddin, Z. (2018). Persepsi Ulama Klasik dan Kontemporer Terhadap Bunga Bank. Al-Iqtishad: Journal of Islamic Economics, 10(2), 233.
Semaun, S. (2015). Analisis Perbandingan Penentuan Profit Margin pada Bank Syariah dan Bunga pada Bank Konvensional. Diktum, 164–173.
Semaun, S., & Wahidin. (2016). Bunga Bank dan Nisbah Bagi Hasil. Trust Media Publishing.
Toriquddin, M. (2013). Teori Maqashid Syari’ah Perspektif Ibnu Ashur. ULUL ALBAB Jurnal Studi Islam, 14(2), 184–212.
Usman, R. (2012). Aspek Hukum Perbankan Syariah di Indonesia. Sinar Grafika.
Usman, S. (2014). Bunga Bank dalam Perspektif Hukum Islam. Tahkim, 10(1), 32.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Fitra Ardiansyah, Syifa Pajastia, Khairil Alfi Syahri
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
